Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank, providing a comprehensive suite of banking and mortgage services tailored to both individuals and corporate clients. The cost of revenue for the company is $0.00 showcasing its production and operational expenses. The company recorded a notable revenue of $106,506,000.00 demonstrating its steady growth in the financial sector. Additionally, the gross profit ratio is $1.00 reflecting the efficiency of the company's production and sales operations. To further assess its financial health, the income before tax ratio is $0.30 indicating the pre-tax margin. Furthermore, the company reported depreciation and amortization expenses of $2,183,000.00 which reflect the wear and tear of its assets. Their lending products include commercial, mortgage, and consumer loans, along with specialized financial instruments such as commercial letters-of-credit. On the deposit side, they offer a variety of checking accounts, passbook and statement savings accounts, money market accounts, interest checking accounts, individual retirement accounts, and certificates of deposits. The company also provides wealth management services, which encompass the administration of trusts and estates, retirement plans, and various employee benefit plans, alongside investment management services and an array of personal and commercial insurance products. As of December 31, 2021, the company had 31 branch offices across Pennsylvania and New York, further solidifying its presence in the region. On the investment front, the stock is affordable at $18.72 making it suitable for budget-conscious investors. However, it is essential to note that the stock has a low average trading volume of 29,845.00 indicating lower market activity. With a market capitalization of $290,058,912.00 the company is classified as a small-cap player in the financial landscape. It is a key player in the Banks - Regional industry, contributing significantly to the overall market landscape, and it belongs to the Financial Services sector, driving innovation and growth. This positioning reflects the company's commitment to enhancing its service offerings while remaining accessible to a broad spectrum of clients.